Average Illinois driver pays $163/mo for full coverage. The cheapest carrier is GEICO at $123/mo. Compare 5+ companies in 90 seconds.
(888) 217-6781We compared full coverage rates from the top auto insurance companies in Illinois. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO β | $738 | $123/mo |
| Progressive | $834 | $139/mo |
| Country Financial | $858 | $143/mo |
| State Farm | $912 | $152/mo |
| Allstate | $1,110 | $185/mo |
Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.
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(888) 217-6781For complete Illinois auto insurance laws and requirements, visit the Illinois Department of Insurance. For vehicle registration and licensing, visit the Illinois Secretary of State.
Full coverage in Illinois averages $163/month, while liability-only coverage averages $55/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.
While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 14% of Illinois drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.
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Where you live in Illinois significantly affects your premium. Click your city for local rate comparisons:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
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